Keyaira Sutton, WalletHub Analyst
You can check your credit card application status either online or over the phone, depending on the credit card company. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if it’s a close call between approval and rejection. Some credit card applications stay in pending status for up to 30 days.
All major credit card companies allow applicants to check their status by calling the main customer service line and following the prompts. Most major issuers – including American Express, Bank of America and Citibank – also offer a way to check your credit card application status online.
How to Check Your Credit Card Application Status with Major Issuers:
Phone Number to Check
Option to Check Online?
Whether you’re trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. Rest assured that even if you are eventually denied, you still have plenty of options.
Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. So if you’re denied for one card, it doesn’t mean you can’t be approved for another. For more information, check out this guide on what to do if your credit card application is denied.
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Linda L. Jacob, Certified Financial Planner (r), Accredited Financial Counselor (r)
You will either receive the card, or a denial letter from the company. If it has been a while since you applied, I would call the company and speak to their customer service department.
Is there one you recommend
Paul Campbell, Member
Which card? You can usually just call the company that you applied with.
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